Is an all-cash transaction the right choice? Or would a mortgage loan be more appropriate? Together, we will go through all of the many factors that need to be carefully considered and help you sort through the various options and the complexities

Starting your own business

Creating and growing a successful company takes more than just a great idea. You will also be responsible for the legal, tax and administrative burden of your start-up. That’s where we come in. We can provide you with the support you need through our in-house experts and trusted external service providers. They will also see to it that your business venture aligns seamlessly with your wealth strategy.

Nou vous conseillons tout au long du lancement de votre entreprise

We will be there to guide and advise you through the key stages of your business venture – from the formalities of creating a company to valuing your business as you prepare to hand it over. We pay particular attention to financial planning and pension strategies.

1074

According to 2013 census figures, more than 1,000 companies were created in Geneva Canton that year.

37,4%

In 2015, according to the startups.ch website, 37.4% of new Swiss companies were registered as limited liability companies (Sàrl), 32.4% as sole proprietorships and 21.4% as corporations (SA).

20

In 2016, the Canton of Vaud supported tech start-ups and SMEs/SMIs in the growth phase with 20 million Swiss francs in funding.

Case study

One of our clients, a 45-year-old professional, decided to become a sole proprietor and planned to draw on his occupational pension savings for funding. Our advisors informed him of some of the constraints of starting a business. Not only did the company name have to include his own last name, but if he used any pension assets, the amount withdrawn would be taxed immediately, albeit at a lower rate. He chose instead to secure funding in other ways. As his business grows, he knows he can count on our continued support.

Create

The success of a business venture depends in large part on how much effort went into the planning process.

Gauge

As you set up and grow your company, it is crucial to track the impact it has on your wealth and tax situation.

Protecting

Your business venture must be in line with your personal interests and goals. And it must boost – not undermine – your wealth strategy.

Acquiring

Your company may need to acquire land or a building. But before you sign on the dotted line, we will make sure you aren’t better off acquiring the property in your own name.

Here’s how we can help you to achieve your life goals

We will sit down with you and analyse your wealth situation: your finances, your current needs and your life goals. We will then come up with a comprehensive solution aimed at optimising your financial and tax situation.

Jihan Bicici is a qualified financial advisor with more than 8 years of experience in banking services and wealth planning. He helps clients construct a wealth strategy that dovetails with their life goals.

Deepen

If you have an occupational pension, you need to find out what impact the reduction in the conversion rate will have on your retirement. If the conversion rate is lowered to 6%, for instance, this would reduce your annual pension by around 12%. So what can you do to make up for this shortfall?

Japan’s Q3 GDP has been revised down, with a worse-than-expected quarter-on-quarter contraction of 0.6%. This slide was in part driven by a series of natural disasters – includ-ing typhoons and an earthquake – although recent economic indicators already point to an uptick in growth in Q4.

Others life goals

Life goal

Optimising the financial aspects of your company

Our experts can help your company to achieve its full potential. Working together with outside experts as necessary, they will help you to set up the right financial structure and optimise its tax situation.

Business succession

Keeping up your standard of living during retirement

We will advise you on how best to structure your wealth in order to build up your savings prior to retirement. We can, for instance, help you find the right balance between ensuring you have a regular stream of income throughout retirement and keeping long-term reserve capital intact.